An additional option, such as the Medical Assistance package, may provide help in difficult unforeseen circumstances. From just a few zloty per month, you can be provided with medical transport, help in childcare or domestic help after hospitalization.
Let's check what the Medical Assistance package offers, how much it can cost and who will find it useful.
What is the Medical Assistance package?
Each of us requires health-care every now and then. It may be seasonal flu, food poisoning, a broken limb, but also a more serious illness. Due to various ailments, we may be unable to go to a pharmacy to get our prescribed medicines, go to a hospital, or they may arise a problem connected with looking after a dog or a cat while we are in hospital. In such circumstances, we may require help which we would never have thought of. Such help can be provided with the Assistance package, which can be bought as an addition to a life insurance policy.
Medical Assistance is an extension of basic coverage under your life insurance policy. It allows access to certain services connected with the health of the insured person.
The duration of the package agreement may be shorter than the basic coverage period, especially if you have opted for long-term insurance, for e.g. 30 years. The agreement is most often concluded for 12 months with an extension option. However, the duration of the additional agreement depends on the decision of the insurance company. Therefore, it is worth remembering how long our Assistance package will last.
What does the Medical Assistance package provide?
The offer may differ between insurance companies in terms of guaranteed services. That is why it is worth comparing different policies beforehand to choose a solution that will provide you with the best assistance.
The package may include, e.g.:
- transport of medicines;
- medical transport;
- help in organizing rehabilitation;
- rent or purchase of rehabilitation equipment;
- additional specialist appointments;
- covering the costs of stay of a loved one at the hospital or place of residence after the hospitalization period;
- psychological assistance;
- childcare during hospitalization;
- care over pets during hospitalization;
- private lessons for children;
- doctor or nurse home visit;
- domestic help after hospitalization period;
- medical help abroad;
- access to medical info-line.
The offer should match our needs, for instance: a person who does not have children will not need childcare during hospitalization or private lessons for children connected with their absence from school. In turn, a person living far from a hospital and does not have a driving license or a car may most of all need medical transport.
Who offers Medical Assistance?
Most insurance companies offer additional coverage that may come with a Medical Assistance package. While the scope of insurance coverage in additional agreements may differ, Assistance packages can be found in practically all insurance companies that offer life insurance policies.
For this reason, it is very important to compare offers. This way, you will find an offer that best suits your needs, ensuring necessary help in difficult times.
For whom is Medical Assistance a good solution?
An additional agreement for a Medical Assistance package is a solution beneficial for everyone.
In case of an illness or physical indisposition preventing us from going out or functioning on an everyday basis, the insurer's assistance may prove priceless.
Treatment or purchasing medicines alone can be costly enough, especially if we provide for other people or repay a loan. The coverage of costs of medicines or medical transport may be very important.
We have no way of predicting in what situation we may find ourselves in the future. Sudden health problems may force us to go for unusual solutions. With Assistance, we can count on the insurer's help in such circumstances.
When will assistance cover not work?
Before deciding on a policy, it is worth reading the General Terms of Insurance. There, you can find detailed information about liability exclusions. They describe circumstances of a covered event which may result in a refusal to pay compensation or to perform a service.
Liability exclusions may apply when an injury took place as a result of:
- driving a vehicle without required license;
- driving a vehicle under the influence of alcohol;
- taking part in fights, riots and protests;
- self-harm.
Apart from liability exclusions, we also need to check the benefit limits note. The insurer surely specifies in the agreement how often a benefit can be provided in a single policy year. What does it mean? On account of hospitalization, we can e.g. use medical transport two times - i.e. to a hospital and from a hospital home. In case of an additional hospital stay, the insurer may refuse to perform the service.
It is also important to carefully check the grace period: it determines the time after which the insurance cover in a selected scope begins to be effective. For instance: a grace period for a hospital stay may be 6 months, which would mean that any earlier hospitalization will not be covered by medical transport.
Where to find good life insurance?
Life insurance, both in its basic and extended version, should meet your needs as precisely as possible. Each of us has different individual needs which may be not satisfied by the offer of a specific policy. In order to avoid any rushed decision to buy or overpay for your insurance, it is worth conducting a thorough analysis of available products.
For many of us, searching for the right policy on one's own may be too difficult, and definitely too time-consuming. Without proper knowledge of insurance policies, it will be hard to make the right choice from many different offers.
What may come in handy is the life insurance policy comparison service, which, after filling in a short form, will help us find offers best suited to our needs.
The comparison service allows saving not only our precious time but also our money. It can help us reach a number of insurance offers best suited to our needs and choose the one with the lowest premium.
* This is a contributed article and this content does not necessarily represent the views of sciencetimes.com
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